Climate Risk Summary

Despard, WV Risk Profile

The primary drivers of climate-related financial risk in Despard, WV are Inland Flooding, Hail, and Earthquake. This area also faces an unusually high intensity for Landslide compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Despard.

Primary Risks

Inland Flooding

$283,344

Expected Annual Loss for Despard

65.1Score

Relatively Moderate compared to US average

Despard

Minimal Estimated LossMax Estimated Loss

Hail

$7,677

Expected Annual Loss for Despard

70.0Score

Relatively Moderate compared to US average

Despard

Minimal Estimated LossMax Estimated Loss

Earthquake

$7,644

Expected Annual Loss for Despard

42.0Score

Relatively Low compared to US average

Despard

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$283,344

Score: 65.1

MAJOR DRIVER

Hail

$7,677

Score: 70.0

MAJOR DRIVER

Earthquake

$7,644

Score: 42.0

Tornado

$7,456

Score: 31.8

Lightning

$5,155

Score: 56.6

Strong Wind

$5,069

Score: 45.0

Hurricane

$2,698

Score: 50.3

Heat Wave

$2,006

Score: 6.7

Cold Wave

$1,665

Score: 20.3

Ice Storm

$1,108

Score: 37.8

Winter Weather

$977

Score: 51.1

Wildfire

$58

Score: 45.5

UNUSUALLY HIGH

Landslide

$32

Score: 80.1

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 65.1

🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 70.0

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 56.6

🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 50.3

🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 51.1

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 80.1

Sources and Methodology

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

Bridgeport Clarksburg East View Lost Creek Nutter Fort

Zip Codes in Despard

26301